Ano nga ba ang magandang gawin sa mga natatanggap na Aginaldo? | BT

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"Salamat ninong, salamat ninang, sa aginaldo pong inyong ibinigay." 'Yan ang linya ng isang kanta na tiyak na uso sa mga bata ngayong pasko! Bilang mga magulang, paano nga ba ituturo sa mga anak ang kahalagahan ng pera na hindi naman nagiging Kill Joy?


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Transcript
00:00 Thank you, Ninong! Thank you, Ninang, for the gift you gave us.
00:05 That's the line of a song that is definitely a hit among kids this Christmas.
00:10 As parents, how can we teach our children the importance of money
00:15 that doesn't become killjoy?
00:17 Here's the hot news from Bernadette Reyes.
00:27 I'm sure there are a lot of #feelingblessed this holiday season,
00:31 especially the kids with Aguinaldo.
00:34 Some of them just sit next to each other and buy toys.
00:37 Clothes, shoes.
00:39 We go to the mall and they go to the arcade and play there.
00:44 I buy toys like cars.
00:50 Mommy Geza is now teaching her three children how to hold money.
00:57 They are three, so they have different tastes in terms of what they want to buy for their Aguinaldo.
01:04 For example, my eldest, what he does with his money, he just saves it.
01:09 Then my second, he likes to dress up.
01:12 So he really buys clothes, pants, shoes.
01:16 And my youngest, he's still five years old, so he just wants to play with toys.
01:22 This year, they started the so-called "Ipon Challenge" with their whole family.
01:28 There's also a checklist.
01:30 So every day, they can save at least five pesos from their allowance.
01:35 Then they put it in their mini envelope.
01:39 I saw the effectiveness of it.
01:42 So they really saved thousands.
01:45 I thought it was good because I don't have to tell them to put it aside.
01:50 They automatically think of putting it aside.
01:53 And the child with the most savings has a reward from mommy.
01:58 You have an extended one hour for gadgets.
02:02 Or you have an additional 100 pesos that you can buy whatever you want.
02:08 So there are different rewards, but at least it's unpredictable for them.
02:12 What will you buy next?
02:13 It's better if at an early age, they're taught the value of money.
02:19 How to earn it, that it's not just taken out.
02:24 And this is really hard.
02:26 You're never too young to learn the value of saving and saving.
02:33 How can children save money while enjoying their time?
02:41 We use 50-50 because it's consistent with what we teach as BOLO.
02:49 What is BOLO?
02:50 Balance of Luxuries and Obligations.
02:54 So half of it, we save it because it's our obligation to prepare for our financial security.
03:02 And for the luxury, of course, we live for it to be happy.
03:08 Where can children and their money be brought from Aguinaldo?
03:14 Open a bank account or savings account with the name of the child and the parent.
03:21 So there's a sense of ownership.
03:23 They can also open mobile wallets so they can see there.
03:28 They can use the money to create a little sideline.
03:33 So they can learn and understand the cycle of how to create income.
03:40 Mami Guesa's advice to other mothers who want to teach saving to their children is...
03:46 Our parents are the ones who start it.
03:48 So maybe we need to show them that we're really saving.
03:53 It doesn't have to be big right away.
03:56 You just have to start small.
03:58 Merry Christmas!
04:02 Brenda De Pereira reporting for GMA Integrated News.
04:08 [Music]

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